Senior Regulatory Analyst

Employment Type: Full-time Location Type: Remote Salary: Not Specified

Company Description

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, create marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realize their financial goals and help them save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agribusiness, insurance, and many more industry segments. We invest in people and new advanced technologies to unlock the power of data. As a FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 22,500 people across 32 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.

Position Overview

The Senior Regulatory Analyst will be part of the model building team, responsible for developing logistic regression and machine learning models. This includes both bureau models and models for clients, covering areas such as probability to default, collection models, behaviour models, early warning risk categorisation, income predictors, and fraud models. The role also involves managing and/or running regulatory models hosted by Experian for specific clients, as well as contributing to other client or internal projects.

Responsibilities

• Lead regulatory analytics initiatives within the team, focusing on compliance with IFRS 9 and Basel requirements.
• Validate and monitor PD, LGD, and EAD models that support ECL calculations.
• Execute monthly runs for regulatory models, ensuring timely and accurate delivery in line with client SLAs.
• Provide guidance to junior members of the team on running monthly regulatory model runs.
• Manage workload to meet deadlines, including working overtime when required to fulfill service commitments.
• Develop scorecard models (e.g., PD models or regulatory models).
• Test bureau models to fit different portfolios.
• Calibrate models to recent populations, different bad definitions, and/or different portfolios.
• Validate models, both internal and external.
• Review existing modelling processes and identify opportunities to optimize current model building processes and ensure sufficient quality control measures are in place.
• Assist in aligning the team’s objectives and focus with Experian’s model building strategy.
• Ensure the quality and accuracy of own work and the work of any analysts on specific projects.
• Carry out and lead others in confirming the integrity, extraction, formulation, and quality control to develop new bureau and bespoke client models.
• Analyze results from monitoring packs to identify and interpret trends.
• Assist in upskilling more junior team members to enhance their skillsets from both a technical perspective and modelling interpretation.
• Ensure process and product documentation is up to date and interpretable by internal and external stakeholders.
• Participate in sales enablement when new analytics products, specifically models, are launched.
• Attend client meetings to support pre-sales and post-sales discussions pertaining to analytics data products and specific modelling.
• Stay abreast of legislation and regulation as they relate to Experian’s analytical solutions.

Key Activities

• Complex data work to prepare data for model building.
• Building models in Paragon Modeller/ SAS and Python.
• Presenting models to stakeholders.

Qualifications

• Degree or equivalent standard, with a high mathematical content (e.g., Mathematics, Statistics, Economics, Business).